An insurance proposal template that holds up.

One page

A proposal is one page. Not a twelve-page packet, not the carrier's output with a cover letter stapled on. One page a client can read on a phone, with the full carrier quote available behind it for whoever asks. Everything below fits on that page.

The header

• Named insured, DBA if there is one, and the entity type.
• The location address the quote was rated on.
• One line of operations. "Coffee shop and cafe, 2,200 sq ft, 8 employees" carries more underwriting truth than a paragraph.
• Carrier, quote number, effective date, and valid-through date.
• Your agency name, brand, and license number.

The valid-through date matters more than it looks. A proposal without one invites a client to accept stale numbers; a proposal with one tells you exactly when to requote.

Coverage, by line, with real numbers

Each line of coverage gets its own block with actual limits and deductibles, never "see attached." General liability shows each occurrence, aggregate, products and completed operations, and medical expense. Property shows building and contents values, business income, the deductible, and whether replacement cost applies. Auto shows the combined single limit and the vehicle count. If a line was quoted separately, one honest sentence covers it: "Workers comp quoted separately. Not on this page."

The rule underneath all of it: what the quote document does not say stays blank. A blank invites a question; a guessed number invites a claim.

What is not in this quote

Three bullets naming what the premium excludes. Umbrella, liquor liability, equipment breakdown, whatever applies. This is the cheapest section to write and the one that stops the this-covers-everything assumption before it becomes an E&O letter.

Subjectivities

If the carrier conditioned the quote on inspections, signed forms, or proof of anything, say so on the page. A surprise condition after acceptance reads as a bait and switch even when it is not.

Premium, then the ask

Premium by line, then the total, near the bottom where a reader expects it. Then the two actions: accept, or ask a question. Acceptance by typed name records intent to proceed; it is not a binding signature and it does not place coverage.

The disclaimer, verbatim

Put it on every proposal, every time. Ours reads:

Every proposal is a summary of carrier quotes, not a policy or a binder. Coverage is not bound until the agency confirms it in writing.

What to leave out

The forms schedule. The endorsement list. Claims history. The raw ACORD output. All of it belongs in the file, and the full carrier quote can sit one click behind the proposal, but none of it belongs on the page. Every line you add for completeness costs a line the client would actually have read.

Or skip the template

This structure is what Proposal Wolf renders. Upload the carrier PDF or paste the quote text, review the pre-filled form, and send a branded page and letter PDF under your agency's name. The two samples on the examples page are this template filled in, and the demo shows the import working on a sample quote.